Garland, TX Cash Advance Loans

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Advantages of Taking Out a Payday Loan in Garland

Garland residents who are dealing with cash shortages can consider applying for a cash advance in the form of a payday loan. These are short-term loans that borrowers pay back in full with their next paycheck. Payday loans online can be used to cover living expenses when finances are tight, pay for essential repairs, fund a business opportunity, or even pay for big-ticket items. While lenders will usually run a credit check on each applicant, shorter-duration funding options are generally more flexible than traditional lenders that have stricter requirements and policies. 

Risks of Taking Out a Short-term Loan in Garland City, TX

Short-term loans often carry high-interest rates due to their high-risk nature. Potential Garland borrowers should note that the maximum APR for such loans in the state of Texas ranges from 170.33% for a $350 loan with a 30-day term, to 570.18% for a $200 loan with a seven-day term. This means that if a borrower were to take out a 14-day, $100 loan, the most they would have to pay for a finance charge would be $11.87.

If a borrower is unable to repay a loan, it will continue to generate interest charges at a high APR. Borrowers often take out additional high-interest loans to repay previous loans, which can trap them in a cycle of debt. Financial experts advise that borrowers determine their ability to repay a loan before applying for one. 

Qualifying for a Payday Loan

If a borrower determines that he or she can afford a short-term loan or a cash advance in Garland City, TX, the next step is to apply at a storefront lender or online. Applicants will need to provide proof of their identity, age, address, as well as their Social Security number, bank account information, and employer information. Online applications typically take a few minutes and approval is quicker than those associated with conventional loan processes.

For alternate options to shorter-duration funding, borrowers can try to cut expenses. Some cash-saving strategies include:

  • Eating at home instead of dining in restaurants or getting takeout
  • Giving up expensive coffee beverages 
  • Canceling duplicate and underused services
  • Borrowing videos and books at the library instead of buying or renting them
  • Cutting entertainment and exercising expenses by visiting free local resources in Garland, such as Rowlett Creek Preserve, Breckenridge Park, Crowley Park, and Spring Creek Forest Preserve

Favorite Garland, TX Cash Advance and Payday Loan Companies

Company name
Address
Phone
Abc Cash Plus
807 West Centerville Road Garland TX, 75041
972-270-9151
ACE AMERICAS CASH EXPRESS
1616 S 1st St Garland TX, 75040
972-271-2592
ACE AMERICAS CASH EXPRESS
3235 Forest Ln Garland TX, 75042
972-276-7402
ACE AMERICAS CASH EXPRESS
3159 N Garland Ave Garland TX, 75040
972-271-0058
ACE AMERICAS CASH EXPRESS
4417 W Walnut St Garland TX, 75042
972-494-0906
ACE CASH EXPRESS
826 Rockledge Dr Garland TX, 75043
972-682-0693
ACE CASH EXPRESS
3324 Broadway Blvd Garland TX, 75043
972-864-9632
ACE CASH EXPRESS
4750 N Jupiter Rd Ste 117 Garland TX, 75044
972-495-6705
ACE CASH EXPRESS
3504 W Walnut St Garland TX, 75042
972-494-5361
ACE CASH EXPRESS
2102 Northwest Hwy Garland TX, 75041
972-682-0595
ACE CASH EXPRESS
903a Northwest Hwy Garland TX, 75041
972-271-0842
ACE CASH EXPRESS
903 Northwest Hwy Apt A Garland TX, 75041
972-271-0842
ACE CASH EXPRESS
5255 N President George Bush H Garland TX, 75040
214-227-4163
Ace Cash Express Inc
512 S Garland Ave Garland TX, 75040
972-276-6659
Ace Cash Express Inc
5606 Broadway Blvd Garland TX, 75043
972-240-1366
Ace Cash Express Inc
3159 S Garland Ave Garland TX, 75041
972-271-0058
Ace Cash Express Inc
3504 W Walnut St Garland TX, 75042
972-272-2947
Ace Cash Express Inc
903 Northwest Hwy Ste A Garland TX, 75041
972-271-0842
Advance America
2930 South 1St Street Garland TX, 75041
972-278-4101
ADVANCE AMERICA
447 N Garland Ave Garland TX, 75040
972-494-2705
ADVANCE AMERICA
2930 S 1st St Garland TX, 75041
972-278-4101
ADVANCE CHECK CASHING
302 W Centerville Rd Garland TX, 75041
972-840-9096
AR CHECK CASH
807 W Centerville Rd Garland TX, 75041
972-270-9151
C O L Financial
P O Box 494961 Garland TX, 75049
972-226-9998
CASH STORE
5949 Broadway Blvd Garland TX, 75043
972-303-1313
CASH STORE
5345 N Garland Ave Garland TX, 75040
214-703-9508
CHECK INTO CASH
985 W Centerville Rd Garland TX, 75041
972-681-2405
Check Store
5954 Broadway Boulevard Garland TX, 75043
972-240-4836
Check Store
5954 Broadway Blvd Garland TX, 75043
972-240-4836
CHEK CASH INC
118 Glenfield Dr Garland TX, 75040
972-840-3280
Cheyenne Servicing Corporation Ltd
103 East Cheyenne Road Garland TX, 75038
972-259-2400
Double S Inc
3501 West Walnut St Garland TX, 75042
972-487-9010
DOUBLE S INC
3501 W Walnut St Garland TX, 75042
972-487-9010
FIRST CASH ADVANCE FIRST CASH
6026 Broadway Blvd Garland TX, 75043
972-240-0582
GLOVER TEX
5958 Broadway Blvd Garland TX, 75043
972-240-2516
Glover Tex Check Cashing
5954 Broadway Boulevard Garland TX, 75043
972-240-2516
Hyatt Virtus
5620 Highway 78 Garland TX, 75048
972-495-1643
Image 1 Funding
1616 South 1St Street Garland TX, 75040
972-864-4825
J & B Check Cashing
2418 South Jupiter Road Garland TX, 75041
972-840-6592
J & B CONVENIENCE STORE
2418 S Jupiter Rd Garland TX, 75041
972-840-6591
Jamals Checks & Novel Jam
2408 W Walnut St Garland TX, 75042
972-272-5350
L & D Foods Inc
2647 S Garland Ave Garland TX, 75041
972-271-1065
ONE PERCENT CHECK CASHED
119 W Kingsley Rd Garland TX, 75041
972-864-0413
ONE STAR CHECK CASHING 1
510 N Plano Rd Garland TX, 75042
972-272-4272
ONE STAR FOOD MART
1102 Lavon Dr Garland TX, 75040
972-272-2454
One Stop Check Cashing
510 North Plano Road Garland TX, 75042
972-494-6245
Pls Check Cashers Of Texa
780 E Centerville Rd Garland TX, 75041
972-926-6800
PURPOSE MONEY
1865 N Garland Ave Garland TX, 75040
972-205-9700
RENT A CENTER
829 W Centerville Rd Garland TX, 75041
972-686-4000
Tex Glover
5954 Broadway Blvd Garland TX, 75043
972-240-2516
The Cash Store
5949 Broadway Boulevard Garland TX, 75043
972-303-1313
THE CHECK STORE
5958 Broadway Blvd Garland TX, 75043
972-240-4836

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